zlet Issue 24

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zlet Issue 24

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  • PINK FASHION(China Town)PINK FASHION(MELB CEN)

    PINK FASHION(SWANSTON ST)PINK BEAUTY

    THE Q HAIR

    GLAMAZIAE

    CHINA BAR

    Q @ CITY

    EASY CAFE

    NINITACATS SALON

    KTMARTTHEOBROMA CHOCOLATE

    ADD DEGREE SALON

    FORMULA HOUSE

    Masterlink

    FOREST HILL

    HAWTHORN

    CHADSTONE

    THAI KINGDOM

    2 FUTURE

    OTHERMONASH UNIVERSITY

    THE UNIVERSITY OF MELBOURNERMIT UNIVERSITY

    SWINBURNE UNIVERSITYLATROBE UNIVERITY

    (Dockland)

  • Moonee Ponds

    59

    [email protected]

  • (/)

    3

    #

  • V8 7.0 1350hp

    144kgm 7SMG7

    457221341118mm

    2667mm 114mm 1247kg 19

    Tuatara

  • Propulsion System & Transmis-sion

    Electric motor Four 145kW (195bhp) traction motors

    Generator Two switched reluctance genera-tors

    Range Extender power 2 x 70kW (94bhp) gas micro-turbines

    Batteries Lithium-ion

    Total Battery Capacity (kWh) 19.6

    Transmission Single-speed

    Final Drive Ratio 3.1:1

    Performance

    0-100km/h (seconds) 3.4

    Top Speed (km/h/mph) 330/205

    0-160km/h (seconds) 5.5

    0-300km/h (seconds) 15.7

    1/4 mile (seconds@km/h) 10.3@251

    Max. Power (kW/BHP) 580/780

    Max. Torque (Nm/lb ft) 1600/1180

    Power to Weight ratio (BHP/tonne) 578

    Aerodynamics (Cd) 0.32

  • ABN 48 006 434 162. ACL 232595. 23/01/12(PDS)hsbc.com.au1300 131 607*Home Smar tPowerVantage$250,000 $499,0000.75%$500,000 $749,0000.85%$750,000 $1,499,0000.90%$1,500,0000.95%$7,500,000#$1851^ATMATMBPSt.GeorgeBankSAATM$10$105$10012$10PDS

    Home Smart

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    hsbc.com.au1300 301 168(+61 2 9005 8114)

    $100

    HSBChsbc.com.au/financialfitness 1300 131 607

    HSBC0299 Fast Start - Advertorial - Zlet Magazine - 270 x 210.indd 1 20/02/12 4:35 PM

  • 610%(2%) 2

    610%(2%)

    2

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    553()

    Home&Away16019,000

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    331HSBC hsbc.com.au/financialfitness

    1300 131 607

    610%(2%)5($129)

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    6

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    Qantas

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    9()$12Qantas

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    ABN 48 006 434 162 ACL 2325952012331hsbc.com.au1300 131 607 1162$03()4(201212321.99%)3%$305$0$12967Zurich Australian Limited ABN 13 000 296 640 AFSL 232507zurich.com.au1800 648 093PDS8Qantas320,00029QantasQantasQantasQantasqantas.com/frequentflyer10QantasQantasQantasQantas oneworldQantasJetstarQantasqantas.com/qantasclubQantashsbc.com.au3Qantas 11QantasQantasqantas.com/hsbcjoin

    HSBC0299 Fast Start - 2 Page Advertorial - Zlet Magazine - 270 x 210.indd 2 23/02/12 3:14 PM

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    60% off for Freshlook Color Contact Lenses

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    Heffernan lane

    Valid to 31 July 2011

    14-22 Heffernan Lane, Chinatown,Melbourne, Victoria

    telephone: (03) 9663 1668

    $10..

    SWANSTON ST

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    Valid to 31 May 2011

    CITY:260 Swanston St,Melbourne, VIC, 3000Tel: 03 9623 9900

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    Shop6/ 409 - 421 Victoria St.,Richmond,T_03 9421 1249

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  • 08/1

    1

    Notes: Returns are calculated after fees and expenses. The historical performance of the Special Situation Mortgages Option is based on 2nd mortgages made by the Fund over the past five years. These rates represent the average rates payable on the mortgage portfolio of each Option and may not be indicative of the returns on the investment selections of individual investors. Past performance is no guarantee of future performance.^The rates of return from the Fund are not guaranteed and are determined by future revenue of the Fund and may achieve lower than expected returns. Investors risk losing some or all of their principal investment. *Withdrawal rights are subject to liquidity and may be delayed or suspended. La Trobe Financial Asset Management Limited ABN 27 007 332 363 & AFS Licence No. 222213 is the issuer and manager of the La Trobe Australian Mortgage Fund. It is important for you to read the Product Disclosure Statement for the Fund before you make an investment decision. You can get a copy of the PDS from our website at www.latrobefinancial.com.au or by calling 1800 818 818. You shouldconsider carefully whether or not investing in the Fund is appropriate for you.

    Investment Performance Current % p.a.

    Historical Performance (30-June-11)

    6 months % p.a. 1 year % p.a. 2 years % p.a. 3 years % p.a. 5 years % p.a.

    1. Cash & Mortgages 6.35^ 6.35 6.29 5.90 6.07 6.112. Pooled Mortgages 7.80^ 6.80 7.74 7.49 7.52 7.503. Select Mortgages 8.58^ 8.48 8.58 8.54 8.57 9.214. Special Situation Mortgages 13.17^ 12.86 13.17 13.86 13.26 14.53Investment Return Benchmark (UBS Bank Bill Index) 4.80 4.94 4.98 4.43 4.78 5.61

    Key Features of the Fund Mortgage to Cash Ratio 88:12

    Returns paid monthly or quarterly to Australian/Overseas bank accounts

    Established Manager with over 50 years proven track record

    Direct banking of income and withdrawals*

    No entry fee

    Minimum investment $1,000

    Average Fund Loan-to-Valuation Ratio 59.3%

    Funds Under Management of $433 million

    Average Fund Loan size $377,212

    Best of the Best 2010 and 2011 AwardsOur Pooled Mortgages Option is Money magazines 2010 and 2011 Gold Award Winner for the Best Mortgage Fund in its Best of the Best awards.

    The ManagerLa Trobe Financial Asset Management Limited (La Trobe Financial) is an unlisted public company and a licensed Australian Fund Manager holding an AFS Licence issued by the national regulator the Australian Securities & Investments Commission (ASIC) to operate the La Trobe Australian Mortgage Fund. La Trobe Financial is a specialist manager of retail and institutional mortgage investments. The Group holds a number of important Institutional mandates.

    La Trobe Financial is one of Australias leading independent specialist mortgage financiers. Its business includes residential mortgages, commercial mortgages, and investment services operating one of Australias largest Mortgage Funds under AFSL 222213. It employs over 140 staff and has raised over AUD$10 billion to assist over 100,000 customers since inception in 1952.

    Four Investment OptionsInvestors may choose from four investment options with La Trobe Financial. The current rate for each follows:

    1. Cash & Mortgages Option 6.35% p.a. ^

    2. Pooled Mortgages Option 7.80% p.a. ^

    3. Select Mortgages up to 10.75% p.a.^

    4. Special Situations Mortgages up to 18.50% p.a.^ Subject to availability

    Investment ObjectiveThe objective of the La Trobe Australian Mortgage Fund (the Fund) is to provide investors regular monthly income with a low level of investment risk and volatility on all mortgage investments. Please refer to the Chart below for our investment performance.

    Effective rate for September 2011

    7.80 % ^8.08% annualised compounding interest rate

    Variable Pooled Mortgage

    p.a.

    p.a.^

    RatingsThe Pooled Mortgages Option has been independently rated:

    Standard & Poors 1 Research Rating Adviser Edge 2 Research Rating Copies of the Advisor Edge and Standard & Poors research rating reports are available on request or on the La Trobe Financial website.

    September 2011 / As at 31 August 2011

    Client Service Hotline 1800 818 818

    La Trobe Australian Mortgage Fund Mortgage Fund Update

    08/1

    1

    Notes: Returns are calculated after fees and expenses. The historical performance of the Special Situation Mortgages Option is based on 2nd mortgages made by the Fund over the past five years. These rates represent the average rates payable on the mortgage portfolio of each Option and may not be indicative of the returns on the investment selections of individual investors. Past performance is no guarantee of future performance.^The rates of return from the Fund are not guaranteed and are determined by future revenue of the Fund and may achieve lower than expected returns. Investors risk losing some or all of their principal investment. *Withdrawal rights are subject to liquidity and may be delayed or suspended. La Trobe Financial Asset Management Limited ABN 27 007 332 363 & AFS Licence No. 222213 is the issuer and manager of the La Trobe Australian Mortgage Fund. It is important for you to read the Product Disclosure Statement for the Fund before you make an investment decision. You can get a copy of the PDS from our website at www.latrobefinancial.com.au or by calling 1800 818 818. You shouldconsider carefully whether or not investing in the Fund is appropriate for you.

    Investment Performance Current % p.a.

    Historical Performance (30-June-11)

    6 months % p.a. 1 year % p.a. 2 years % p.a. 3 years % p.a. 5 years % p.a.

    1. Cash & Mortgages 6.35^ 6.35 6.29 5.90 6.07 6.112. Pooled Mortgages 7.80^ 6.80 7.74 7.49 7.52 7.503. Select Mortgages 8.58^ 8.48 8.58 8.54 8.57 9.214. Special Situation Mortgages 13.17^ 12.86 13.17 13.86 13.26 14.53Investment Return Benchmark (UBS Bank Bill Index) 4.80 4.94 4.98 4.43 4.78 5.61

    Key Features of the Fund Mortgage to Cash Ratio 88:12

    Returns paid monthly or quarterly to Australian/Overseas bank accounts

    Established Manager with over 50 years proven track record

    Direct banking of income and withdrawals*

    No entry fee

    Minimum investment $1,000

    Average Fund Loan-to-Valuation Ratio 59.3%

    Funds Under Management of $433 million

    Average Fund Loan size $377,212

    Best of the Best 2010 and 2011 AwardsOur Pooled Mortgages Option is Money magazines 2010 and 2011 Gold Award Winner for the Best Mortgage Fund in its Best of the Best awards.

    The ManagerLa Trobe Financial Asset Management Limited (La Trobe Financial) is an unlisted public company and a licensed Australian Fund Manager holding an AFS Licence issued by the national regulator the Australian Securities & Investments Commission (ASIC) to operate the La Trobe Australian Mortgage Fund. La Trobe Financial is a specialist manager of retail and institutional mortgage investments. The Group holds a number of important Institutional mandates.

    La Trobe Financial is one of Australias leading independent specialist mortgage financiers. Its business includes residential mortgages, commercial mortgages, and investment services operating one of Australias largest Mortgage Funds under AFSL 222213. It employs over 140 staff and has raised over AUD$10 billion to assist over 100,000 customers since inception in 1952.

    Four Investment OptionsInvestors may choose from four investment options with La Trobe Financial. The current rate for each follows:

    1. Cash & Mortgages Option 6.35% p.a. ^

    2. Pooled Mortgages Option 7.80% p.a. ^

    3. Select Mortgages up to 10.75% p.a.^

    4. Special Situations Mortgages up to 18.50% p.a.^ Subject to availability

    Investment ObjectiveThe objective of the La Trobe Australian Mortgage Fund (the Fund) is to provide investors regular monthly income with a low level of investment risk and volatility on all mortgage investments. Please refer to the Chart below for our investment performance.

    Effective rate for September 2011

    7.80 % ^8.08% annualised compounding interest rate

    Variable Pooled Mortgage

    p.a.

    p.a.^

    RatingsThe Pooled Mortgages Option has been independently rated:

    Standard & Poors 1 Research Rating Adviser Edge 2 Research Rating Copies of the Advisor Edge and Standard & Poors research rating reports are available on request or on the La Trobe Financial website.

    September 2011 / As at 31 August 2011

    Client Service Hotline 1800 818 818

    La Trobe Australian Mortgage Fund Mortgage Fund Update

    08/1

    1

    Notes: Returns are calculated after fees and expenses. The historical performance of the Special Situation Mortgages Option is based on 2nd mortgages made by the Fund over the past five years. These rates represent the average rates payable on the mortgage portfolio of each Option and may not be indicative of the returns on the investment selections of individual investors. Past performance is no guarantee of future performance.^The rates of return from the Fund are not guaranteed and are determined by future revenue of the Fund and may achieve lower than expected returns. Investors risk losing some or all of their principal investment. *Withdrawal rights are subject to liquidity and may be delayed or suspended. La Trobe Financial Asset Management Limited ABN 27 007 332 363 & AFS Licence No. 222213 is the issuer and manager of the La Trobe Australian Mortgage Fund. It is important for you to read the Product Disclosure Statement for the Fund before you make an investment decision. You can get a copy of the PDS from our website at www.latrobefinancial.com.au or by calling 1800 818 818. You shouldconsider carefully whether or not investing in the Fund is appropriate for you.

    Investment Performance Current % p.a.

    Historical Performance (30-June-11)

    6 months % p.a. 1 year % p.a. 2 years % p.a. 3 years % p.a. 5 years % p.a.

    1. Cash & Mortgages 6.35^ 6.35 6.29 5.90 6.07 6.112. Pooled Mortgages 7.80^ 6.80 7.74 7.49 7.52 7.503. Select Mortgages 8.58^ 8.48 8.58 8.54 8.57 9.214. Special Situation Mortgages 13.17^ 12.86 13.17 13.86 13.26 14.53Investment Return Benchmark (UBS Bank Bill Index) 4.80 4.94 4.98 4.43 4.78 5.61

    Key Features of the Fund Mortgage to Cash Ratio 88:12

    Returns paid monthly or quarterly to Australian/Overseas bank accounts

    Established Manager with over 50 years proven track record

    Direct banking of income and withdrawals*

    No entry fee

    Minimum investment $1,000

    Average Fund Loan-to-Valuation Ratio 59.3%

    Funds Under Management of $433 million

    Average Fund Loan size $377,212

    Best of the Best 2010 and 2011 AwardsOur Pooled Mortgages Option is Money magazines 2010 and 2011 Gold Award Winner for the Best Mortgage Fund in its Best of the Best awards.

    The ManagerLa Trobe Financial Asset Management Limited (La Trobe Financial) is an unlisted public company and a licensed Australian Fund Manager holding an AFS Licence issued by the national regulator the Australian Securities & Investments Commission (ASIC) to operate the La Trobe Australian Mortgage Fund. La Trobe Financial is a specialist manager of retail and institutional mortgage investments. The Group holds a number of important Institutional mandates.

    La Trobe Financial is one of Australias leading independent specialist mortgage financiers. Its business includes residential mortgages, commercial mortgages, and investment services operating one of Australias largest Mortgage Funds under AFSL 222213. It employs over 140 staff and has raised over AUD$10 billion to assist over 100,000 customers since inception in 1952.

    Four Investment OptionsInvestors may choose from four investment options with La Trobe Financial. The current rate for each follows:

    1. Cash & Mortgages Option 6.35% p.a. ^

    2. Pooled Mortgages Option 7.80% p.a. ^

    3. Select Mortgages up to 10.75% p.a.^

    4. Special Situations Mortgages up to 18.50% p.a.^ Subject to availability

    Investment ObjectiveThe objective of the La Trobe Australian Mortgage Fund (the Fund) is to provide investors regular monthly income with a low level of investment risk and volatility on all mortgage investments. Please refer to the Chart below for our investment performance.

    Effective rate for September 2011

    7.80 % ^8.08% annualised compounding interest rate

    Variable Pooled Mortgage

    p.a.

    p.a.^

    RatingsThe Pooled Mortgages Option has been independently rated:

    Standard & Poors 1 Research Rating Adviser Edge 2 Research Rating Copies of the Advisor Edge and Standard & Poors research rating reports are available on request or on the La Trobe Financial website.

    September 2011 / As at 31 August 2011

    Client Service Hotline 1800 818 818

    La Trobe Australian Mortgage Fund Mortgage Fund Update

    08/1

    1

    Notes: Returns are calculated after fees and expenses. The historical performance of the Special Situation Mortgages Option is based on 2nd mortgages made by the Fund over the past five years. These rates represent the average rates payable on the mortgage portfolio of each Option and may not be indicative of the returns on the investment selections of individual investors. Past performance is no guarantee of future performance.^The rates of return from the Fund are not guaranteed and are determined by future revenue of the Fund and may achieve lower than expected returns. Investors risk losing some or all of their principal investment. *Withdrawal rights are subject to liquidity and may be delayed or suspended. La Trobe Financial Asset Management Limited ABN 27 007 332 363 & AFS Licence No. 222213 is the issuer and manager of the La Trobe Australian Mortgage Fund. It is important for you to read the Product Disclosure Statement for the Fund before you make an investment decision. You can get a copy of the PDS from our website at www.latrobefinancial.com.au or by calling 1800 818 818. You shouldconsider carefully whether or not investing in the Fund is appropriate for you.

    Investment Performance Current % p.a.

    Historical Performance (30-June-11)

    6 months % p.a. 1 year % p.a. 2 years % p.a. 3 years % p.a. 5 years % p.a.

    1. Cash & Mortgages 6.35^ 6.35 6.29 5.90 6.07 6.112. Pooled Mortgages 7.80^ 6.80 7.74 7.49 7.52 7.503. Select Mortgages 8.58^ 8.48 8.58 8.54 8.57 9.214. Special Situation Mortgages 13.17^ 12.86 13.17 13.86 13.26 14.53Investment Return Benchmark (UBS Bank Bill Index) 4.80 4.94 4.98 4.43 4.78 5.61

    Key Features of the Fund Mortgage to Cash Ratio 88:12

    Returns paid monthly or quarterly to Australian/Overseas bank accounts

    Established Manager with over 50 years proven track record

    Direct banking of income and withdrawals*

    No entry fee

    Minimum investment $1,000

    Average Fund Loan-to-Valuation Ratio 59.3%

    Funds Under Management of $433 million

    Average Fund Loan size $377,212

    Best of the Best 2010 and 2011 AwardsOur Pooled Mortgages Option is Money magazines 2010 and 2011 Gold Award Winner for the Best Mortgage Fund in its Best of the Best awards.

    The ManagerLa Trobe Financial Asset Management Limited (La Trobe Financial) is an unlisted public company and a licensed Australian Fund Manager holding an AFS Licence issued by the national regulator the Australian Securities & Investments Commission (ASIC) to operate the La Trobe Australian Mortgage Fund. La Trobe Financial is a specialist manager of retail and institutional mortgage investments. The Group holds a number of important Institutional mandates.

    La Trobe Financial is one of Australias leading independent specialist mortgage financiers. Its business includes residential mortgages, commercial mortgages, and investment services operating one of Australias largest Mortgage Funds under AFSL 222213. It employs over 140 staff and has raised over AUD$10 billion to assist over 100,000 customers since inception in 1952.

    Four Investment OptionsInvestors may choose from four investment options with La Trobe Financial. The current rate for each follows:

    1. Cash & Mortgages Option 6.35% p.a. ^

    2. Pooled Mortgages Option 7.80% p.a. ^

    3. Select Mortgages up to 10.75% p.a.^

    4. Special Situations Mortgages up to 18.50% p.a.^ Subject to availability

    Investment ObjectiveThe objective of the La Trobe Australian Mortgage Fund (the Fund) is to provide investors regular monthly income with a low level of investment risk and volatility on all mortgage investments. Please refer to the Chart below for our investment performance.

    Effective rate for September 2011

    7.80 % ^8.08% annualised compounding interest rate

    Variable Pooled Mortgage

    p.a.

    p.a.^

    RatingsThe Pooled Mortgages Option has been independently rated:

    Standard & Poors 1 Research Rating Adviser Edge 2 Research Rating Copies of the Advisor Edge and Standard & Poors research rating reports are available on request or on the La Trobe Financial website.

    September 2011 / As at 31 August 2011

    Client Service Hotline 1800 818 818

    La Trobe Australian Mortgage Fund Mortgage Fund Update

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